Lower Payments With 2/1 Buydown

Increase your home buying power and decrease your rate for the first two years of your mortgage. Learn more about our 2/1 buydown offer with first-year rates as low as 2.875* / 4.9249 APR* on a 30-year fixed-rate conventional loan offered through M/I Financial, LLC for new homes that can close by February 27th, 2026.

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Thinking about buying a new home but worried about high interest rates? Then we have great news!

M/I Financial, LLC now offers you a program that dramatically lowers your payments for the first two years of your mortgage, putting a great new home within your reach. 

Our 2/1 buydown on a 30-year fixed-rate conventional loan helps make it easier to buy a home today, rather than waiting for interest rates to drop.

• Year 1: 2.875% Rate* / 4.9249% APR*
• Year 2: 3.875% Rate* / 4.9249% APR*
• Years 3-30: 4.875% Rate* / 4.9249% APR*

Contact our team today to learn about additional loan options such as VA/FHA. 

 *The interest rate of 4.875% is based on a 30-year fixed-rate conventional loan with a 2/1 buydown and a 20% down payment. The sales price is $500,000 with a loan amount of $400,000. The interest rate of 4.875% is temporarily reduced in year 1 to 2.875%, year 2 the interest rate is 3.875%, and the interest rate years 3-30 will be 4.875%. The ANNUAL PERCENTAGE RATE is 4.9249%. A minimum credit score of 720 is required. Program is available on select homes only and applies to new contracts written on or after November 21, 2025. Promotion does not apply to cancellations, re-writes, or transfers. The seller’s contribution is limited to agency limits, which depend on the loan program and LTV. Buyer must occupy the property as their primary residence and meet all qualification requirements of the program. The buyer must make a loan application within 48 hours of contract signing and must close by February 27, 2025. Other financing options may be available with as little as 5% down. Rate is subject to change without notice and is not guaranteed until locked with M/I Financial, LLC. Conforming Conventional loan limits apply. Financing is offered through M/I Financial, LLC (NMLS# 50684). Restrictions do apply.